Is this good insurance coverage or should I add umbrella too ?

[Elton John]

Property Purchase Price - $365k

Dwelling ( Coverage A) - $432k

Increased Dwelling (Coverage D) - $108k

Dwelling Extension - $43k

Personal Property ( Coverage B) - $324k

Personal Liability eash occurance ( Coverage L) - $100k

Loss of Use - $130k

Total annual premium $1400.

I’m a bit worried about the personal liability being $100k as it seems a bit low. Is personal liability the coverage if I get sued ? Is that part the one that increases to $1M with an umbrella policy ?

Any info is appreciated